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Budgeting

August 8th, 2012 at 03:42 pm

So I am thinking about my budget. Is my current budget good enough? What can I change? Is the living on cash/jar method the way to go? I have tried to do a budget through Mint.com, but it doesn't seem to work for me. I heard about YouNeedABudget.com today. I don't know anything about it except they want $60 for the year for the software. Are there other budgeting softwares? Should I stick with what I know?

Posted in Budgeting, Debt, Personal Finance, Saving Money | 7 Comments »

7 Responses to “Budgeting”

  1. CB in the City Says:
    August 8th, 2012 at 04:04 pm 1344441843
    1344441843

    If you're at all handy with Excel you don't need software. Just set up your fixed expenses, total them, subtract from your income (or your pool of assets), and you always see what you have to play with. I get a little more fancy with mine, so I always know what my net worth is and what my projections are for the months ahead. But you can make it very simple.

    I don't like the cash/envelope method because there is so much that cannot be paid with cash. I like to charge everything and pay in full each month, but you do have to be disciplined.

  2. North Georgia Gal Says:
    August 8th, 2012 at 04:36 pm 1344443761
    1344443761

    I love quicken for my budgeting. I enter all my expenses for a couple of months ahead so I always know where I stand and what I need to cover my expenses.

  3. SecretarySaving Says:
    August 8th, 2012 at 06:30 pm 1344450631
    1344450631

    I have my budget in excel. I budget every two weeks for when I get paid. On Friday, payday, I go to the bank and fill my envelopes (gas, eating out, groceries, perscription, blow money. Works well for me. I no longer have to check my account all the time to see what is pending. I don't own a credit card.

  4. rachel021406 Says:
    August 8th, 2012 at 06:40 pm 1344451247
    1344451247

    I do have an excel spreadsheet. I budget for each week since my husband and I both get paid each week. And I take out my cash and put it in jars. It works for me. Maybe I should just adjust what I already have?

  5. baselle Says:
    August 8th, 2012 at 08:36 pm 1344458166
    1344458166

    For me, Excel for the math and envelopes to make your budget tangible.

  6. Petunia 100 Says:
    August 8th, 2012 at 09:34 pm 1344461641
    1344461641

    May I ask why Mint doesn't work for you? Do you have an account they don't support?

    You can try You Need a Budget for free for 30 days.

    Myself, I love Mint. Smile

  7. FrugalTexan75 Says:
    August 9th, 2012 at 02:42 am 1344480179
    1344480179

    YNAB is $60 for the software for as long as you use it. There is not a yearly charge. The only time it would cost anything after your initial purchase would be if there was a major update and you decided to upgrade. I have been using YNAB since it was a glorified Excel spreadsheet, and absolutely love it. But really, YNAB isn't just about the software, the methodology that's behind it is more important.

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